Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2014 • EIN 38-0703992

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 02, 2015

Organization ProfileWWW.ECCU1.ORG

View Organization Page

1551 South 9th StreetKalamazoo, MI 49009-9327

(269) 375-6702

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

67th percentile

0.90x

Higher debt load relative to assets than 67% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

36th percentile

16.75x

Higher debt load relative to revenue than 36% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Net Margin

25th percentile

9.4%

Higher net margin than 25% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

60th percentile

$414,960

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Asset Growth

24th percentile

2.5%

Faster asset growth than 24% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Revenue Growth

77th percentile

6.6%

Faster revenue growth than 77% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$409,914,994

Up $9,945,654 (+2.5%) from 2013

Net Assets

Up

$39,376,757

Up $2,764,636 (+7.6%) from 2013

Liabilities

Up

$370,538,237

Up $7,181,018 (+2.0%) from 2013

Revenue And Expenses
Liabilities / Revenue36th percentileNet Margin25th percentile

Revenue

Up

$22,123,436

Up $1,372,436 (+6.6%) from 2013

Expenses

Up

$20,036,727

Up $972,470 (+5.1%) from 2013

Net Income

Up

$2,086,709

Up $399,966 (+24%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth24th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.0B$500M$0Assets 2010: $341,207,840Liabilities 2010: $310,323,833Net Assets 2010: $30,884,0072010Assets 2011: $356,781,658Liabilities 2011: $323,361,421Net Assets 2011: $33,420,2372011Assets 2012: $381,686,946Liabilities 2012: $345,788,866Net Assets 2012: $35,898,0802012Assets 2013: $399,969,340Liabilities 2013: $363,357,219Net Assets 2013: $36,612,1212013Assets 2014: $409,914,994Liabilities 2014: $370,538,237Net Assets 2014: $39,376,7572014Assets 2015: $428,500,083Liabilities 2015: $387,781,027Net Assets 2015: $40,719,0562015Assets 2016: $479,181,965Liabilities 2016: $435,489,370Net Assets 2016: $43,692,5952016Assets 2017: $523,721,267Liabilities 2017: $475,642,572Net Assets 2017: $48,078,6952017Assets 2018: $573,422,495Liabilities 2018: $519,302,424Net Assets 2018: $54,120,0712018Assets 2019: $655,512,242Liabilities 2019: $595,318,353Net Assets 2019: $60,193,8892019Assets 2020: $813,637,097Liabilities 2020: $748,514,447Net Assets 2020: $65,122,6502020Assets 2021: $829,123,274Liabilities 2021: $762,601,238Net Assets 2021: $66,522,0362021Assets 2022: $882,512,715Liabilities 2022: $826,775,679Net Assets 2022: $55,737,0362022Assets 2023: $969,394,713Liabilities 2023: $911,404,946Net Assets 2023: $57,989,7672023Assets 2024: $903,389,090Liabilities 2024: $837,826,457Net Assets 2024: $65,562,6332024

Highlighted filing

2014

Assets$409,914,994
Liabilities$370,538,237
Net Assets$39,376,757
Open 2014 Filing

Operations Trend

Revenue Growth77th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$60M$40M$20M$0Expenses 2010: $19,125,8412010Expenses 2011: $18,671,3402011Expenses 2012: $19,372,6312012Revenue 2013: $20,751,000Expenses 2013: $19,064,257Net Income 2013: $1,686,7432013Revenue 2014: $22,123,436Expenses 2014: $20,036,727Net Income 2014: $2,086,7092014Revenue 2015: $22,605,061Expenses 2015: $20,640,559Net Income 2015: $1,964,5022015Revenue 2016: $25,203,596Expenses 2016: $22,035,832Net Income 2016: $3,167,7642016Revenue 2017: $27,746,122Expenses 2017: $23,405,127Net Income 2017: $4,340,9952017Revenue 2018: $32,620,125Expenses 2018: $26,784,115Net Income 2018: $5,836,0102018Revenue 2019: $40,476,172Expenses 2019: $34,727,324Net Income 2019: $5,748,8482019Revenue 2020: $43,485,334Expenses 2020: $38,767,838Net Income 2020: $4,717,4962020Revenue 2021: $44,270,339Expenses 2021: $39,623,634Net Income 2021: $4,646,7052021Revenue 2022: $42,599,576Expenses 2022: $36,827,505Net Income 2022: $5,772,0712022Revenue 2023: $50,193,452Expenses 2023: $45,206,444Net Income 2023: $4,987,0082023Revenue 2024: $57,858,397Expenses 2024: $51,507,065Net Income 2024: $6,351,3322024

Highlighted filing

2014

Revenue$22,123,436
Expenses$20,036,727
Net Income$2,086,709
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 2, 2015
Return Version
2014v5.0
Gross Receipts
$62,496,519
Mission and Program Overview

Mission

The credit union's operations include holding deposits for and making loans to individuals who work or reside in the state of michigan.

The credit union's operations include holding deposits for and making loans to individuals who work or reside within a specific area and group in the state of michigan.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$286,556,643$298,543,381▲ $11,986,738
Investments in Publicly Traded Securities$58,593,288$55,760,155▼ $2,833,133
Rtn Earn Endowment Incm Other Fnds$36,612,121$39,376,757▲ $2,764,636
Cash and Non-Interest-Bearing Accounts$23,561,441$22,838,277▼ $723,164
Land, Buildings, and Equipment, Net$15,979,284$15,755,721▼ $223,563
Investments Other Securities$1,734,900$2,186,500▲ $451,600
Prepaid Expenses and Deferred Charges$334,204$1,441,477▲ $1,107,273
Savings and Temporary Cash Investments$498,000$498,000→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$399,969,340$409,914,994▲ $9,945,654
Other Assets Total$12,711,580$12,891,483▲ $179,903
Liabilities
Other Liabilities$318,871,270$326,803,768▲ $7,932,498
Accounts Payable and Accrued Expenses$44,485,949$43,734,469▼ $751,480
Total Liabilities$363,357,219$370,538,237▲ $7,181,018
Net Assets / Fund Balance
Total Net Assets Fund Balance$36,612,121$39,376,757▲ $2,764,636
Total Liabilities and Net Assets / Fund Balance$399,969,340$409,914,994▲ $9,945,654

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,808,774$2,060,194$11,868,968
Equipment$2,060,761$4,043,448$6,104,209
Land$3,261,587-$3,261,587
Leasehold Improvements$72,371$537,995$610,366
Other Land Buildings$552,228-$552,228
Compensation and Service Providers
Top Officer Pay60th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Charles CorneliusPresident/CEO (retired 2/2015)FT$280,437$134,523$414,960
Earle Shelner IiVP FinanceFT$120,304$54,945$175,249
Tamara PhelpsVP OperationsFT$107,053$54,470$161,523
Arlene HortonVP Human ResourcesFT$128,149$18,576$146,725
Christine CampVP MarketingFT$117,192$27,568$144,760
Jeffrey DeshaneVP LendingFT$120,108$24,016$144,124
Kenneth LeonardVP Commercial LendingFT$89,991$16,325$106,316

Board Members and Trustees

NameTitle
David AubryChairman
Richard CahowVice-chairman
Jeff PowlessDirector
Kimberly RohrDirector
Robert GoodwinDirector
Barbara WinterSecretary
Arthur ParkerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$19,771,249
Investment Income
$2,195,042
Other Revenue
$157,145
Change in Net Assets
$2,086,709

Audited Revenue Reconciliation

Revenue per Audited Statements
$22,123,436
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$22,123,436
Total Revenue per Form 990
$22,123,436
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,606,163
Salaries, Compensation, and Employee Benefits$9,406,564
Grants and Similar Amounts Paid$24,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,214,600
Other Employee Benefits---$1,960,275
Interest---$1,561,838
Current Officers, Directors, Trustees, and Key Employees---$1,293,657
All Other Expenses---$1,290,172
Depreciation Depletion---$882,509
Advertising---$832,732
Occupancy---$823,031
Other Expenses---$765,141
Payroll Taxes---$524,283
Office Expenses---$502,811
Pension Plan Contributions---$413,749
Fees for Services Other---$212,440
Insurance---$126,230
Fees for Services Accounting---$70,000
Fees for Services Legal---$50,923
Travel---$24,562
Grants to Domestic Individuals---$24,000
Total Functional Expenses$0$0$0$20,036,727

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$20,036,727
Total Expenses per Audited Statements$20,036,727
Total Expenses per Form 990$20,036,727
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Savings Accounts$326,803,768
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Every individual that has an account with the credit union is considered a member.”

Form 990, Part VI, Section A, Line 7A

“As a credit union, we have a membership that has the authority to vote for the board of directors on an annual basis. We are required to hold an annual meeting, where the membership can vote for the board of directors up for nomination.”

Form 990, Part VI, Section A, Line 7B

“The decisions are approved at the annual meeting. They also can review the monthly and year to date financial statements that are required to be posted in the lobby. As for day to day decisions, they do not oversee or approve actions.”

Form 990, Part VI, Section B, Line 11

“The form 990 will be provided to the organization's governing body for approval at the board of director's meeting.”

Form 990, Part VI, Section B, Line 12C

“All directors and employees are required to sign a policy statement annually and to submit changes during the year.”

Form 990, Part VI, Section B, Line 15

“We utilize an outside consultant, as well as industry publications to set the ranges of all individuals paid at the credit union. All salary ranges for all employees are approved by the board of directors at a regularly scheduled meeting.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents and financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Educational Community Credit Union
EIN
38-0703992
Phone
2693756702
Address
1551 SOUTH 9TH STREET, KALAMAZOO, MI 49009-9327

Signing Officer

Name
Earle Shelner Ii
Title
VP - Finance
Phone
2695443471
Signed
2015-11-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Julie Blitchok
Formed
1935
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
184
Volunteers
10

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Robert Parks CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“There was no change in the oversight process or selection process during the tax year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute, from federal taxes on income related to the exempt purpose of the credit union. The credit union is a state-chartered credit union described in internal revenue code ("irc") section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been an issue for many years. In 2007, the internal revenue service ("irs") issued a series of technical advice memoranda ("tam") to a number of state-chartered credit unions located throughout the country. In these tams, the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, the credit union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purpose is not expected to have a material effect on the credit union's financial condition or results of operations. The credit union's income tax filings are subject to audit by various taxing authorities and open tax periods include 2011-2014.”

Raw XML AppendixShowing 400 of 505 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT/CEO (RETIRED 2/2015)
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP COMMERCIAL LENDING
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0401344
IRS990/GainOrLossGrp/SecuritiesAmt0257482
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt024000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt020832434
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt020199475
IRS990/GrossReceiptsAmt062496519
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt0126230
IRS990/InterestGrp/TotalAmt01561838
IRS990/InvestmentIncomeGrp/ExclusionAmt01536216
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01536216
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01734900
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02186500
IRS990/InvestmentsPubTradedSecGrp/BOYAmt058593288
IRS990/InvestmentsPubTradedSecGrp/EOYAmt055760155
IRS990/IRPDocumentCnt010571
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt015979284
IRS990/LandBldgEquipBasisNetGrp/EOYAmt015755721
IRS990/LandBldgEquipCostOrOtherBssAmt022397358
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt020431090
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt019941993
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt07038
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt07038
IRS990/MissionDesc0THE CREDIT UNION'S OPERATIONS INCLUDE HOLDING DEPOSITS FOR AND MAKING LOANS TO INDIVIDUALS WHO WORK OR RESIDE WITHIN A SPECIFIC AREA AND GROUP IN THE STATE OF MICHIGAN.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt039376757
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0658826
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0658826
IRS990/NetUnrelatedBusTxblIncmAmt0-87145
IRS990/NetUnrlzdGainsLossesInvstAmt0677927
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0823031
IRS990/OfficeExpensesGrp/TotalAmt0502811
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt012711580
IRS990/OtherAssetsTotalGrp/EOYAmt012891483
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01960275
IRS990/OtherExpensesGrp/Desc0CREDIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2DATA PROCESSING AND OUT
IRS990/OtherExpensesGrp/Desc3ATM AND DEBIT CARD EXPE
IRS990/OtherExpensesGrp/TotalAmt01265074
IRS990/OtherExpensesGrp/TotalAmt11201000
IRS990/OtherExpensesGrp/TotalAmt2997700
IRS990/OtherExpensesGrp/TotalAmt3765141
IRS990/OtherLiabilitiesGrp/BOYAmt0318871270
IRS990/OtherLiabilitiesGrp/EOYAmt0326803768
IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/BusinessCd1523930
IRS990/OtherRevenueMiscGrp/BusinessCd2525990
IRS990/OtherRevenueMiscGrp/Desc0WARRANTY SALES
IRS990/OtherRevenueMiscGrp/Desc1WEALTH MANAGEMENT INCOME
IRS990/OtherRevenueMiscGrp/Desc2NON-MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt052957
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt150109
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt247041
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt052957
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt150109
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt247041
IRS990/OtherRevenueTotalAmt0157145
IRS990/OtherSalariesAndWagesGrp/TotalAmt05214600
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0286556643
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0298543381
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0524283
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0413749
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0334204
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01441477
IRS990/PrincipalOfficerNm0JULIE BLITCHOK
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012956615
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt16814634
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012956615
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16814634
IRS990/ProgSrvcAccomActy2Grp/Desc0ALLOWING MEMBERS DIRECT ACCESS TO THEIR CHECKING ACCOUNT AT MERCHANTS THROUGH OUR DEBIT CARD PROGRAM.
IRS990/ProgSrvcAccomActy3Grp/Desc0ALLOWING MEMBERS ACCESS TO OVER 21,000 ATMS THORUGHOUT THE U.S. THROUGH OUR ATM NETWORKING PROGRAM.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01487562
IRS990/PYOtherExpensesAmt010230747
IRS990/PYOtherRevenueAmt0122558
IRS990/PYProgramServiceRevenueAmt019140880
IRS990/PYRevenuesLessExpensesAmt01686743
IRS990/PYSalariesCompEmpBnftPaidAmt08833510
IRS990/PYTotalExpensesAmt019064257
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt020751000
IRS990/ReconcilationRevenueExpnssAmt02086709
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt036612121
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt039376757
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0498000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0498000
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt09808774
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02060194
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt011868968
IRS990ScheduleD/EquipmentGrp/BookValueAmt02060761
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04043448
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06104209
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt020036727
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt03261587
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03261587
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt072371
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0537995
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0610366
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0552228
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0552228
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0326803768
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND SAVINGS ACCOUNTS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt022123436
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL TAXES ON INCOME RELATED TO THE EXEMPT PURPOSE OF THE CREDIT UNION. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE ("IRC") SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. IN 2007, THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL CONDITION OR RESULTS OF OPERATIONS. THE CREDIT UNION'S INCOME TAX FILINGS ARE SUBJECT TO AUDIT BY VARIOUS TAXING AUTHORITIES AND OPEN TAX PERIODS INCLUDE 2011-2014.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt015755721
IRS990ScheduleD/TotalExpensesPerForm990Amt020036727
IRS990ScheduleD/TotalLiabilityAmt0326803768
IRS990ScheduleD/TotalRevenuePerForm990Amt022123436
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt022123436
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt020036727
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt024000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS ARE AWARDED TO HIGH SCHOOL SENIORS WHO HAVE BEEN MEMBERS OF THE CREDIT UNION FOR AT LEAST ONE YEAR AND DEMONSTRATE ACADEMIC ACHIEVEMENT, COMMUNITY INVOLVEMENT AND FINANCIAL NEED.
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt021
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION CHOOSES SCHOLARSHIP RECIPIENTS BASED ON CERTAIN CRITERIA AND KEEPS SUPPORTING DOCUMENTS FOR THEIR DECISIONS.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0280437
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1107053
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2120304
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount076545
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount120494
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount222627
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt023000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt117500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt211591
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt019107
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt116476
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt220727
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt015871
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CHARLES CORNELIUS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1TAMARA PHELPS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2EARLE SHELNER II
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO (RETIRED 2/2015)

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$409,914,994
Liabilities
$370,538,237
Net assets
$39,376,757
Revenue
$22,123,436
Expenses
$20,036,727
Net income
$2,086,709
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$903$838$65.6$57.9$51.5$6.35
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$969$911$58.0$50.2$45.2$4.99
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$883$827$55.7$42.6$36.8$5.77
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$829$763$66.5$44.3$39.6$4.65
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$814$749$65.1$43.5$38.8$4.72
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$656$595$60.2$40.5$34.7$5.75
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$573$519$54.1$32.6$26.8$5.84
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$524$476$48.1$27.7$23.4$4.34
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$479$435$43.7$25.2$22.0$3.17
2015Summary only. Only limited summary data is available for this year.$429$388$40.7$22.6$20.6$1.96
2014Detailed filing. Detailed filing data is available for this year.$410$371$39.4$22.1$20.0$2.09
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$400$363$36.6$20.8$19.1$1.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$382$346$35.9$19.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$357$323$33.4$18.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$341$310$30.9$19.1